Ohio Home Loans - FHA Loans, HELOCs, Refinances and More

Ohio Mortgage, Refinance, and Home Equity Loans

Want to learn more about purchasing a home in Ohio? Our easy-to-read home loan guide has you covered.

Mortgages in the State of Ohio

Ohio and the heavy rock and roll heritage of its flagship city, Cleveland, occupy a huge portion of American culture. For home buyers looking to settle in Ohio, our local team of home mortgage experts is ready to educate you about the smartest home loan solutions in the Buckeye State.

As of 2018, the median home listing price in Ohio is $130,659, which is about $130,000 less than the U.S. median home price of $261,500.

The priciest city in Ohio to purchase a home in 2018 is Hamilton, with a median home listing price of $140,200. Not too far behind this is the capital of Columbus, with a median home listing price of $120,500. There are areas in Ohio that are still significantly less expensive; for example, in Toledo, the median home listing price sits at $58,600. And, in Cleveland, the median home listing price is $52,800.

Best Ohio Mortgage Lender: Fairway Independent Mortgage Corporation

A rapidly growing name in the national home finance industry, Fairway Independent Mortgage Corporation is one of the best options for conventional, FHA, and VA financing across the country. Home buyers will agree that it’s actually pretty easy to find a Fairway location when its time to get a home loan. Beyond that, their customer service is well known to be top notch.

Fairway Independent Mortgage Corporation has stunning reviews from its client base over the years. One thing they seem to excel in is cutting down the closing costs that borrowers are expected to pay at the end of a mortgage transaction, as well as facilitating a faster closing.

Fairway may very well be the best option for first time home buyers on this list. Their attention to detail and completely transparent methodology is perfect for obtaining a mortgage loan at a great rate in a stress-free environment.

Best Ohio Mortgage Refinance Lender: Guaranteed Rate

A Kingpin of the online mortgage trend that plays a large role in mortgage refinancing is Guaranteed Rate. Their participation in the digital mortgage wave leaves many other platforms lacking by comparison.

Guaranteed Rate is also extremely experienced with the origination and refinancing of government-insured loan products such as FHA and VA loans. The ability to offer mortgage refinancing through one of the best digital mortgage platforms available makes them serious competition to other mortgage lenders, and highly favored among repeat and first time home buyers.

The online platform makes securely uploading the important financial documentation requested for a loan approval fast and easy. Borrowers can even check their credit scores through the service, rather than go elsewhere. Guaranteed Rate is one of the rare few digital mortgage platforms where a mortgage loan can be refinanced without ever needing to speak with someone unless requested by the homeowner.

Best Ohio FHA Mortgage Lender: CrossCountry Mortgage

CrossCountry Mortgage is one of the largest and fastest growing lenders in the United States. Since it was founded in 2003, CrossCountry Mortgage has done its best to meet the rapidly changing needs of the consumer. While it started as simply a small mortgage brokerage, today, CrossCountry Mortgage offers a wide variety of loans, including FHA home loans, refinancing, home equity loans, and more.

While the company does have a robust online presence, with applications that can easily be filled out online, it also boasts a strong workforce of mortgage brokers. Its website even has an easy search function that allows potential borrowers to search for a mortgage broker by name or by branch location.

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Best Ohio VA Mortgage Lender: Caliber Home Loans

A relative newcomer to the home finance market, Caliber Home Loans truly hit the ground running -- at top speed. For a company that has only been around since 2013, Caliber has made quite a reputation for itself as one of the top mortgage lenders in the region approved to originate VA mortgages.

The Caliber team is often lauded for their knowledge and sincerity during the mortgage transactions that they conduct. Getting a VA loan can be particularly stressful, but the loan officers at Caliber are well known for keeping their borrowers informed and making sure home buyers never miss a beat during the mortgage transaction.

Home buyers can count on concise, and rapid responses to any questions that may come up during the mortgage process. With their new app, the mortgage preapproval and application process has been made even easier! A stunning dedication to providing home buyers with mortgage loans that are affordable and align with their goals is evident with the glowing pool of user reviews since Caliber’s birth only 6 years ago.

Best Ohio Home Equity Lender: PNC Bank

A popular player in the mortgage industry that plays a large role in home equity financing is PNC Bank. It is one of the largest banking institutions in the country, servicing 19 states as well as the District of Columbia.

PNC bank not only offers home equity loans and HELOCs, but also their home equity rapid refinance loan, which essentially acts as a more streamlined and flexible approach to a cash-out refinance. PNC bank offers a plethora of draw methods on its popular HELOC product, and originates its home equity options at an incredible 89.9% LTV.

PNC’s online platform makes securely uploading important financial documentation requested for a loan approval fast and easy. PNC bank excels in providing an excellent customer experience both online and face-to-face. It is one of the few major lenders with an online platform as robust as the online-only options.

Shop Around Before You Get an Ohio Home Loan

Our picks for the best mortgage lenders in Ohio may not necessarily represent the best lender for your financial situation, goals, and desires. Everyone’s story is unique, and sometimes the best mortgage terms can be found in the most obscure places. Regardless of experience or lack thereof, the best plan of action is to shop around with multiple lenders to find out which one can provide the ideal mortgage solution that comes with the terms and affordability that best suits any particular financial situation.

While looking at reviews can be a huge help, getting a one on one consultation could mean saving thousands. If you’d like some help in locating the best mortgage lender in your area, don't hesitate tocontact a home.loans mortgage expert!

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